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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP here- I like the idea of paying it down half then calling and having them lower my limit .. 13K may not be terrible but it is a lot to me. We have a HHI of 235k and both work with 3 children I need to get this under control. 
I am also going to employ the buy nothing month and see if I can break the cycle. 
[/quote]

You are a disaster.  On that income you should not be using credit, except for your home. Period. The end.

You need Dave Ramsey and a psychologist to figure out why you find such happiness in such shallow endeavors as shopping.

No gimmicks,  no ice, no safe deposit boxes, none of that BS. Pay off the card, cancel it, and set up automatic deposits into a savings account.

What does your retirement look like? Your kids 529? I'm betting weak to non null.[/quote]

Yikes ! I mean maybe I need you to be so unfriendly but perhaps not.. our retirement and kids 529s are fully funded. Like I said in the beginning we have the savings in an account I am just nervous to use it to pay off the CC cause I think I will just rack it up again and I am trying to stop the cycle. I appreciate the helpful responses on here and I am going to employ a budgeting app today as another user suggested. [/quote]

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